626 James St · Hazleton, PA 18201

$135,000

3 bd · 1.0 ba · 1,232 sqft · SingleFamily public records · 28 Days on market

Built 1930 Est $164k · 18% under

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Why this score? — see what drove the C+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +24.7/30.0
• ARV discount +15.0/15.0
• DSCR +8.0/10.0
• 1% rule +5.9/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

James Street Half Double 3 bedroom 1 Bath, Fenced Back Yard. Needs TLC

Key facts

• Listed 27 days

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: Residential condo/townhome; Three or more levels
• Construction: Vinyl siding
• Exterior features: Lot in a residential zone; Lot size approximately 1,742 (units as provided)

Interior

• Bathrooms: One full bathroom
• Heating & cooling: Oil heating with hot water radiant system
• Interior features: Eight total rooms; Basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $283 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $135k).
• Recommended offer: $133k (1.5% below list) — sets the bar for market timing.
• Cap rate 8.8% vs local median 4.5% in Hazleton — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 67/100 on livability (#930 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: schools F, amenities F, commute F.
• Hazleton Area SD (suburban): math 18% / reading 30% proficiency, ranked #476 of 539 in PA (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 118 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 349 units permitted in Luzerne County in 2024 (16 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $933 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Luzerne County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 28 days — a 2% lower offer ($133k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $25k (16%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $99k; 36% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $132,975 (1.5% below list)

Questions for the listing agent

1. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
5. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
6. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.09% ✓
• Cap rate: 8.81%
• Cash-on-cash: 8.98%
• DSCR: 1.40
• GRM: 7.7

CMA / ARV

• ARV (on-the-fly): $163,856
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
769 Locust St	0.29mi	3/1.0	1,246 (+1%)	2mo	$220,000	$177	83
675 Lincoln St	0.26mi	3/1.0	1,200 (-3%)	6mo	$128,000	$107	78
731 1st St	0.23mi	3/1.5	1,146 (-7%)	5mo	$220,000	$192	71
644 Locust St	0.10mi	3/1.5	1,400 (+14%)	2mo	$165,000	$118	69
713 6th St	0.10mi	4/2.0 (+1)	1,125 (-9%)	5mo	$204,999	$182	68
13 Branch St	0.66mi	3/1.0	1,215 (-1%)	6mo	$120,000	$99	62
669 Vine St	0.30mi	3/2.0	1,358 (+10%)	4mo	$150,000	$110	62
549 Carson St	0.66mi	3/1.0	1,188 (-4%)	2mo	$158,000	$133	61
715 Roosevelt St	0.45mi	3/1.0	1,092 (-11%)	0mo	$242,977	$223	60
559 Carson St	0.66mi	3/1.0	1,276 (+4%)	6mo	$150,000	$118	59
806 Lafayette Ct	0.37mi	3/1.5	1,360 (+10%)	6mo	$156,000	$115	58
1009 Peace St	0.69mi	3/1.5	1,288 (+4%)	5mo	$220,000	$171	54

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -2.7%
• Equity multiple: 0.90×
• Total profit: $-3,872
• Equity at exit: $20,129

10-year hold

• IRR: 7.0%
• Equity multiple: 1.52×
• Total profit: $19,780
• Equity at exit: $11,672

Cash invested: $37,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 62 Landlord-Friendly
• State Pennsylvania: 62 Landlord-Friendly · EVEN
• County: — inherits STATE
• City: — inherits STATE

10-day notice; Philadelphia has eviction-court diversion + some protections; otherwise moderate.

Methodology + full state rankings →

ZIP-level market 18201

• Home prices YoY: -14.9%
• Active inventory: 118
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $1,470 medium
• Mortgage (P&I): −$708
• Tax from tax record: −$114 /mo · $1,368/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$309
• Net cashflow: $283

Break-even live

Break-even rent $1,112

Max offer price $135,000

Occupancy floor 76%

Sensitivity live

Price	-10% $359	-5% $321	+0% $283	+5% $245	+10% $206
Rent	-10% $167	-5% $225	+0% $283	+5% $341	+10% $399
Rate	-1.0pp $351	-0.5pp $317	base $283	+0.5pp $248	+1.0pp $212

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
538 Carson St Hazleton, PA	3.0	1.0	1400	$1,450	$1.04	44d	1	0.61mi
1015 Lincoln St Hazleton, PA	2.0	1.0	900	$1,499	$1.67	44d	1	0.76mi

Listing history 21 events

1. 2026-06-19
   days on market $135,000 Active 28 DOM
2. 2026-06-18
   days on market $135,000 Active 27 DOM
3. 2026-06-17
   days on market $135,000 Active 26 DOM
4. 2026-06-16
   days on market $135,000 Active 25 DOM
5. 2026-06-15
   days on market $135,000 Active 24 DOM
6. 2026-06-14
   days on market $135,000 Active 22 DOM
7. 2026-06-12
   days on market $135,000 Active 21 DOM
8. 2026-06-09
   days on market $135,000 Active 18 DOM
9. 2026-06-09
   price $135,000 Active 17 DOM
10. 2026-06-08
    days on market $160,000 Active 17 DOM
11. 2026-06-07
    days on market $160,000 Active 16 DOM
12. 2026-06-02
    days on market $160,000 Active 11 DOM
13. 2026-06-01
    days on market $160,000 Active 10 DOM
14. 2026-05-31
    days on market $160,000 Active 9 DOM
15. 2026-05-30
    days on market $160,000 Active 8 DOM
16. 2026-05-20
    listed $160,000 Active
17. 2024-02-02
    soldstatus $99,000
18. 2023-12-22
    soldstatus $99,000 Closed 70-char remark

    Show marketing remark (70 chars)

    James Street Half Double 3 bedroom 1 Bath, Fenced Back Yard. Needs TLC

19. 2023-11-24
    status Pending 70-char remark

    Show marketing remark (70 chars)

    James Street Half Double 3 bedroom 1 Bath, Fenced Back Yard. Needs TLC

20. 2023-10-16
    price $99,000 70-char remark

    Show marketing remark (70 chars)

    James Street Half Double 3 bedroom 1 Bath, Fenced Back Yard. Needs TLC

21. 2023-09-27
    listed $109,000 Active 70-char remark

    Show marketing remark (70 chars)

    James Street Half Double 3 bedroom 1 Bath, Fenced Back Yard. Needs TLC

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast PA · Partial reset (capped growth)

• Current annual tax: $1,368 · $114/mo
• Projected year-2 tax: $1,751 · $146/mo
• Expected delta: +$382/yr (+$32/mo · 27.9%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥91°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 8% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,637
• − Mortgage interest: −$7,562
• − Property taxes: −$1,368
• − Insurance: −$675
• − Repairs & maintenance: −$1,411
• − Management: −$1,411
• − Depreciation: −$3,927
• Taxable income: $1,282
• Est. tax owed @ 24.0%: −$308
• After-tax cash flow: $3,087/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Hazleton Area SD
• NCES district ID: 4211700
• Math proficiency: 18% ▼ -3.00%
• Reading proficiency: 30% ▼ -15.00%
• Median HH income: $42,247
• Composite: 20.44/100
• National rank: #8582
• State rank: #476 of 539 in PA

Livability — Hazleton

• Score: 67/100
• State rank: #930
• US rank: #10115

Category grades

Amenities F Commute F Cost of living A+ Crime A- Employment F Housing A+ Health & safety A- User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hazleton, PA
• City population: 13,755
• Population (ZIP): 31,428

Population outlook (Luzerne County) Hauer SSP2

• Today (2025): 319,505 people
• By 2030: 319,943 · +0.1%
• By 2040: 322,643 · +1.0%
• By 2050: 330,817 · +3.5%
• By 2075: 379,145 · +18.7%
• By 2100: 431,908 · +35.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority Hispanic (60%)
• Race & ethnicity: Hispanic / Latino 60% White 36% Two or more races 18% Black 2%
• Hispanic origin (detail): Mexican 6% Puerto Rican 6% Dominican 41%
• Common ancestry: Romanian 5% Iranian 1% Russian 1%
• Foreign-born: 36% · Canada, Jamaica
• Languages at home: 43% English-only · Spanish 54% Russian/Polish/Slavic 1% Other Indo-European 1%

Political lean MEDSL · Luzerne

• 2024 margin: R (+19.2) · D 40.0% · R 59.2%
• 2008→2024 swing: -27.6pp toward R · 2008: 8.4pp · 2024: -19.2pp
• All cycles: 2024: R+19.2 2020: R+14.4 2016: R+19.6 2012: D+4.8 2008: D+8.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -62.00%
• Current HPI: 354.7443
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.68%
• F500 in state: 34

Industry mix (Fortune 500 HQ in PA)

Industry	F500 HQs	Revenue
▸Healthcare	2	$309B
▸Insurance	2	$27B
▸Telecommunications / Media	1	$124B
▸Industrial Distribution	1	$22B
▸Financial Services	1	$20B
▸Chemicals / Materials	1	$18B

Price history

+46.8% since first listed

6 events — show timeline

• 2026-05-20 Listed $160,000 LCAR
• 2024-02-02 Sold (Public Records) $99,000 Public Records
• 2023-12-22 Sold (MLS) $99,000 LCAR
• 2023-11-24 Pending — LCAR
• 2023-10-16 Price Changed $99,000 LCAR
• 2023-09-27 Listed $109,000 LCAR

Property tax history

+6.9%/yr

Latest (2026): $1,368 · +10.3% YoY. Source: county tax records.